APPLICABILITY147requirements resolved
Understand the institution
Charter, activities, prior exams, filings, complaints, financials and live risk signals become one applicability and risk graph.
The regulatory operating system for examiners
Examine the institution.
Not the inbox.
Vigil prepares the examination around you—applicable authority, risk-focused scope, request lists, evidence, sampling, analysis, workpapers, findings and remediation—so your time goes to the decisions only an examiner can make.
Examiner authority preservedEvery conclusion replayableNo unsupported consequential action
Examiner command
CADE workingFDIC · LIVE MATTER
92%Harbor Community Bank
Asset quality · targeted examination
- ✓
Exam book and scope reconciled
ready - ✓
418 credits risk-ranked
ready - ●
Exceptions and counterevidence tested
working - ○
Workpaper and decision brief prepared
queued
EXAMINER JUDGMENT
Expand the loan sample based on 12 validated exceptions?
Vigil is not another place to store examination files.
It is the system accountable for getting the examination to a defensible conclusion.
The examination loop
From exam book
to signed report.
One operating system.
Vigil carries the examiner’s objective through planning, fieldwork, review, reporting, remediation and the next examination. Every handoff keeps its authority, evidence and decision history.FIELDWORK92%evidence coverage
Execute the first pass
Governed agents reconcile populations, test evidence, reproduce calculations, draft workpapers and preserve contrary evidence.
DECISION LOAD2examiner decisions remain
Decide what matters
CADE committees expose authority, quantitative support, uncertainty and dissent in a short brief for examiner judgment.
INSTITUTIONAL MEMORY100%conclusions traceable
Carry the record forward
Findings, non-flags, remediation, validation and examination coverage become durable memory for the agency and the next team.
Designed around the people doing supervision
Every examiner gets leverage.
Authority never leaves the agency.
Vigil changes what reaches a person—not who owns the decision. Routine assembly and testing move to governed agents; consequential judgment stays with authorized officials.Start with the evidence organized and the first pass complete.
Open a procedure to the exact source, requested evidence, tested population, exceptions, counterevidence and draft workpaper.
- Less request-list administration
- Reproducible sampling and calculations
- Short exception-first review queue
Run the examination by risk, coverage and unresolved judgment.
See scope drift, specialist dependencies, review quality, issue certainty, examiner workload and reporting readiness in one place.
- Risk-responsive scope control
- Review receipts instead of status chasing
- Clear approval and dissent gates
Bring deep analysis without losing the examination context.
Credit, liquidity, BSA/AML, cyber, fair lending, insurance, gaming and quantitative swarms prepare intensive reviews for specialist challenge.
- Exact methods and assumptions
- Cross-domain evidence reuse
- Limitations carried into conclusions
See the portfolio without flattening supervisory judgment.
Monitor systemic signals, inconsistent treatment, duplicated burden, remediation durability and standards adoption across authorized scopes.
- Portfolio-wide risk visibility
- Procedural-fairness challenge
- Controlled cross-agency coordination
The defensible supervisory record
Every flag supported.
Every non-flag explained.
Vigil binds each examination task to the exact rule, manual, procedure, evidence, test and reviewer disposition. Examiners can open the complete reasoning chain without reconstructing it from email and folders.- Exact official-source provision and effective version
- Population, sample, calculation and counterevidence
- CADE agreement, dissent and material certainty
- Examiner conclusion, review history and signed receipt
Targeted sample expansion
Twelve exceptions appear across 418 credits. Loss severity remains provisional until the examiner resolves three methodology assumptions and reviews contrary board evidence.
Risk signalHigh · 84
Evidence coverage92%
Unresolved judgments2
Every figure opens to its source, formula, authority version and reviewer history.
Built for modern supervision
More coverage.
Less supervisory burden.
Vigil helps agencies examine more deeply without asking examiners to manually coordinate every source, specialist, entity response and follow-on review.Official authority becomes executable work.
Rules, manuals, exam procedures, guidance and approved precedent bind directly to tasks, tests and outputs.
Source → requirement → test → conclusionAgentic capacity without autonomous supervision.
Specialist swarms perform routine first review; CADE escalates only critical, material or unresolved uncertainty.
Agents prepare · examiners decideOne examination can strengthen the next.
Authorized follow-on teams reuse verified evidence and prior coverage while focusing on unresolved and unexamined risk.
Less duplication · deeper coverageRemediation remains part of the examination record.
Potential issues trigger pre-mediation, legal and compliance review, independent validation and durability testing.
Issue → fix → validate → monitorAccountability by design
Intelligence that
can be examined.
Examiner authority is explicit
Scope, findings, ratings, licensing, enforcement and external communications remain with authorized officials.
The whole decision can be replayed
Sources, evidence, calculations, agent routes, contrary evidence, dissent and approvals remain reconstructable.
Learning is earned, not assumed
Candidates run in shadow mode and pass authority, drift, bias, golden-case and named-reviewer gates before promotion.
Agency boundaries travel with the work
Matter, jurisdiction, entity, classification, consent, privilege and need-to-know constraints remain attached.
The regulatory operating system